Summary of Benefits -Support Staff - MSU Human Resources ...

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applicable, are withheld on a pre-tax basis (before federal, state, city, and social security taxes are calculated) soemployees may save money on their premium. The employee dental premiums are listed below.Aetna DMOAetna DMO utilizes primary care dentists to lower the cost—it is a managed-care dental plan. Members select aprimary care dentist (PCD) from the provider network and visit their PCD as needed for treatment and care.Highlights of the plan include:• Fixed co-pays for services.• No annual or lifetime benefit maximum.• No annual or lifetime deductible.• Orthodontia is offered to adults and children.Delta Dental of Michigan• 50% of the reasonable and customary costs of most dental services.• $600 per person calendar year maximum.• 50% co-payment for orthodontia for persons under age 19. Orthodontia has a separate $600 lifetimemaximum.Dependents• Covered on dental insurance until the end of the calendar year they turn age 23.For additional information on dental coverage, see www.hr.msu.edu/Benefits/Dental/.IV. LIFE INSURANCE PLANSThe university offers two life insurance plans. Both plans are term insurance that provide no loan or cash value.Basic Employer-Paid Life Insurance PlanProvided for regular full-time support staff employees.• University pays the entire premium.• Coverage is equal to one year's base salary or wage up to a maximum of $50,000.• The amount of coverage in force will be paid to the named beneficiary in the event of the death of theemployee from any cause, at any time, while insured under this policy. Exceptions may apply.• Seatbelt benefit provides 10% additional benefit ($10,000 max.) if the individual dies in an auto accidentwhile wearing their seatbelt.• Coverage is automatic and no enrollment form is necessary.Optional Employee-Paid Life Insurance PlanProvided for regular full-time and part-time (50-89.9%) support staff employees.• Employee pays the entire premium.• If coverage is desired, employee must enroll within 60 days of appointment (newly eligible have 30days); otherwise, Evidence of Insurability must be completed during open enrollment for employee andspouse coverage.• Coverage may be selected in increments ranging from 1 to 8 times an employee’s base annual earningswith a maximum employee benefit of $2,000,000.• Spouse/Other Eligible Individual coverage is available in amounts ranging from $10,000 to $200,000.• Dependent child coverage (up to age 23) is available in amounts ranging from $5,000 to $25,000. Noevidence of insurability is required.5
• Seatbelt benefit provides an additional 10% benefit ($10,000 max.) if individual dies in an auto accidentwhile wearing their seatbelt.• Accelerated Death Benefit for terminal illness provides 50% of coverage amount ($750,000 max.) ifterminally ill with a life expectancy of 12 months or less. Benefits are payable to the designatedbeneficiary in the event of death from any cause—at any time—while insured under this policy.Exceptions may apply.For additional information on life insurance plans, see: http://www.hr.msu.edu/benefits/lifeins.htm.V. VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)Provided for regular full-time and part-time (50-89.9%) support staff employees.• Employee pays entire premium.• If AD&D coverage is desired, enrollment must be completed within 60 days of theAppointment (newly eligible have 30 days), otherwise the employee will need to wait for the next annual openenrollment period.• Benefits are payable for accidental death, loss of limb, or loss of sight.• Coverage may be selected in increments ranging from 1 to 8 times an employee’s base annual earnings with amaximum employee benefit of $1,000,000.• Dependent coverage is available.For additional information on Accidental Death & Dismemberment insurance see:http://www.hr.msu.edu/benefits/lifeins.htm.VI. UNIVERSITY TRAVEL ACCIDENTAnyone traveling on or off campus on authorized university business is automatically covered under the TravelAccident Plan. This does not include travel to and from work. Travel while on a sabbatical leave of absence isexcluded unless it is an authorized business trip for the university. Coverage is automatic; no enrollment form isnecessary. The University pays the premium.For additional information on University Travel Accident insurance, see:http://www.hr.msu.edu/benefits/lifeins.htm.VII. VOLUNTARY BENEFITSVoluntary Benefits are available for regular full-time and part-time (50-89.9%) faculty, academic staff and executivemanagement employees. Voluntary benefits are optional benefit programs you can enroll in on a self-paid basis.There is no university financial contribution toward these benefits. Enrollees pay the premiums for whateverbenefits they select and those payments are collected via payroll deduction. Currently the voluntary benefitsavailable are:• Vision Insurance• Group Legal Services• Critical Illness Insurance• Long-Term Care Insurance• Auto and Home Insurance• Pet InsuranceFor information on plan details please visit: http://www.hr.msu.edu/msubenefitsplus/index.htm. You can also call888.758.7575.6
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